Keep in mind that muscle throws the whole system off. If you are overweight, and in shape, its because they don't assume everyone is in peak fitness shape.
I weigh 210lbs, ideal weight is 196, but medical weight is 148-195
I weighed 185 lbs with extremely low body fat, and a bit of muscle, but with the muscle i have now, getting down below 195 will be very hard to do.